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Quantifying North Atlantic Tropical Cyclone Risk

RMS North Atlantic Hurricane Models help the market gain necessary insights about the evolving tropical cyclone risk landscape, informing sound underwriting, portfolio management, reinsurance, and risk transfer decisions.

Obtain a Complete and Correlated View of Hurricane Risk

Utilize the models' basin-wide event methodology to assess key drivers of risk to support portfolio growth and diversification strategies. The U.S. component is linked with the RMS® U.S. Inland Flood HD Model, providing the means to develop a complete view of wind, storm surge, and tropical cyclone precipitation-induced flooding in one place.

Validate Modeled Losses Against Historical Experience

Gain accurate insights into potential losses to inform pricing decisions, support rating agency discussions, and determine reinsurance limit needs with confidence.

Tools to Develop Your Own View of Risk

Stress test model assumptions, sensitivities, and uncertainties of hurricane risk to event rates, wind and storm surge settings, building stock, and vulnerability functions, including the impact of mitigation techniques and near- and long-term climate trends.

North Atlantic Hurricane

Developed over 25+ years, the models provide the most comprehensive solution in the market for managing tropical cyclone risk.

Event Set

The models are informed by a single, basin-wide stochastic event set in the Atlantic that captures the impacts of wind and storm surge for the full spectrum of landfalling, bypassing, and transitioning storms, and similar event catalogs for the East Pacific and Hawaii. Geographic coverage spans 40 countries in total, including 20+ U.S. states, Canada, Mexico, Bermuda, Central America, the Caribbean, and offshore platforms in the Gulf of Mexico.


The North Atlantic Hurricane Models support more effective risk differentiation and selection decisions at the local level. With over 1,750 unique vulnerability functions across a variety of primary building characteristics, regions, and lines of business, the models reflect the latest market practices, enabling accurate insights into vulnerability risk differentiation for underwriting and managing hurricane risk.

Validation and Acceptance

The models have been extensively reviewed by clients, third-party experts, over $21 billion in detailed claims data and observations across 35+ historical events. This has supported 20+ years of FCHLPM certification in Florida and successful rate filings in 20+ states.


The models employ high-quality satellite imagery to represent local variations in wind hazard, and they integrate a hydrodynamic surge modeling framework to capture the impacts of hurricane-induced coastal flooding in the U.S. and parts of the Caribbean down to street level.

Related Products


Developed over 25+ years by world-class hurricane observation researchers, RMS HWind provides observation-based tropical cyclone data for real-time and historical events in the Atlantic, East Pacific, and Central Pacific Basins.

U.S. Flood

Identify suitable risks, implement refined underwriting guidelines, manage exposure accumulations, and design profitable growth strategies related to flood risk.

Cyclone, Hurricane, and Typhoon
Cyclone, Hurricane, and Typhoon

Assess tropical cyclone risk to inform sound underwriting, portfolio management, and risk transfer decisions.


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